Buy Cheap Lexus RX 450h Auto Insurance in 2025
If you want to buy affordable Lexus RX 450h insurance coverage then you should know that a policy will cost $142 per month ($1,708 per year) on average. Shop around to find cheap Lexus RX 450h insurance rates. On average, Lexus RX 450h comprehensive insurance coverage costs $416, collision coverage costs $607, and liability coverage costs $482.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Feb 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,708 a year or $142 each month
- A liability-only policy costs around $685 a year or $57 each month
- Highest rates are for teenage drivers at around $6,243 a year or $520 each month
- Good drivers can save as much as $704 a year by earning policy discounts
- Lexus RX 450h insurance costs around $189 more per year than the average vehicle
Lexus RX 450h insurance rates average $1,708 a year or $142 a month for full coverage. Older vehicles may just need liability which is around $685 a year or $57 a month.
Good drivers can save up to $704 a year with good driver discounts by practicing safe habits on the road. Let’s look at Lexus RX 450h insurance rates, crash test ratings, and more.
You can start comparing quotes for Lexus RX 450h car insurance rates from some of the best car insurance companies by using our free online tool now.
Lexus RX 450h Insurance Cost
The average Lexus RX 450h car insurance costs are $1,708 a year or $142 a month.
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Are Lexus RX 450hs Expensive to Insure?
The chart below details how Lexus RX 450h insurance rates compare to other crossovers like the Buick Envision, Mazda CX-3, and Infiniti QX30.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lexus RX 450h | $390 | $718 | $420 | $1,708 |
| Buick Envision | $320 | $566 | $398 | $1,442 |
| Mazda CX-3 | $308 | $500 | $372 | $1,338 |
| Infiniti QX30 | $344 | $686 | $398 | $1,586 |
| Chevrolet Trax | $280 | $470 | $372 | $1,280 |
| Mazda CX-5 | $322 | $532 | $372 | $1,384 |
| Lincoln MKX | $294 | $596 | $398 | $1,446 |
However, there are a few things you can do to find the cheapest Lexus insurance rates online.
What Impacts the Cost of Lexus RX 450h Insurance?
The Lexus RX 450h trim and model you choose can impact the total price you will pay for Lexus RX 450h insurance coverage.
Age of the Vehicle
Older Lexus RX 450h models generally cost less to insure. For example, car insurance rates for a 2020 Lexus RX 450h are $1,708, while 2010 Lexus RX 450h rates are $1,372, a difference of $336.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Lexus RX 450h | $390 | $718 | $420 | $1,708 |
| 2019 Lexus RX 450h | $372 | $690 | $440 | $1,682 |
| 2018 Lexus RX 450h | $356 | $686 | $450 | $1,672 |
| 2017 Lexus RX 450h | $344 | $668 | $470 | $1,662 |
| 2016 Lexus RX 450h | $332 | $640 | $486 | $1,638 |
| 2015 Lexus RX 450h | $314 | $618 | $500 | $1,612 |
| 2014 Lexus RX 450h | $302 | $574 | $510 | $1,566 |
| 2013 Lexus RX 450h | $290 | $540 | $514 | $1,524 |
| 2012 Lexus RX 450h | $278 | $484 | $520 | $1,462 |
| 2011 Lexus RX 450h | $260 | $446 | $520 | $1,406 |
| 2010 Lexus RX 450h | $250 | $418 | $524 | $1,372 |
Driver Age
Driver age can have a significant impact on the cost of Lexus RX 450h auto insurance. For example, 20-year-old drivers pay as much as $2,164 more each year for their Lexus RX 450h auto insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Lexus RX 450h insurance rates. For example, drivers in New York may pay $444 a year more than drivers in Chicago.
Your Driving Record
Your driving record can have an impact on the cost of Lexus RX 450h auto insurance. Teens and drivers in their 20’s see the highest jump in their Lexus RX 450h car insurance with violations on their driving record.
Lexus RX 450h Crash Test Ratings
Lexus RX 450h crash test ratings will affect your Lexus RX 450h car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Lexus RX 450hL SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2020 Lexus RX 450h SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Lexus RX 450h Safety Features
The safety features of the Lexus RX 450h can impact your Lexus RX 450h car insurance rates. The Lexus RX 450h has the following safety features:
- 10-air bag system
- Lexus Enform safety connect
- Panoramic view monitor
- Smart stop technology
- Led taillamps
- Blindspot monitor with rear cross-traffic braking
Lexus RX 450h Insurance Loss Probability
Another contributing factor that affects Lexus RX 450h car insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | 25% |
|---|---|
| Property Damage | 19% |
| Comprehensive | 10% |
| Personal Injury | -40% |
| Medical Payment | no data |
| Bodily Injury | no data |
| Source: Insurance Institute for Highway Safety | |
Lexus RX 450h Finance and Insurance Cost
If you are financing a Lexus RX 450h, most lenders will require your carry higher Lexus RX 450h coverage options including comprehensive coverage, so be sure to shop around and compare Lexus RX 450h car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Lexus RX 450h Insurance
You have more options at your disposal to save money on your Lexus RX 450h auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Lexus RX 450h car insurance rates
- Consider Using a Tracking Device on Your Lexus RX 450h
- Ask About Farm and Ranch Vehicle Discounts
- Buy a Dashcam for Your Lexus RX 450h
- Get Lexus RX 450h Auto Insurance Through Costco
- Talk to Your Credit Card Company to Save on Rental Car Costs
Read more: Costco CONNECT Auto Insurance Review: Should you buy?
Top Lexus RX 450h Insurance Companies
Several top car insurance companies offer competitive rates for the Lexus RX 450h rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Lexus RX 450h drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
What factors can affect the cost of auto insurance for a Lexus RX 450h?
Several factors can impact the cost of auto insurance for a Lexus RX 450h, including the driver’s age, driving record, location, annual mileage, coverage options selected, and the deductible amount. Insurance companies also consider factors such as the car’s value, repair costs, safety features, and the likelihood of theft when determining the insurance premium.
Are there any specific insurance discounts available for a Lexus RX 450h?
Insurance companies often offer various discounts that can help lower the cost of auto insurance for a Lexus RX 450h. Some common discounts include safe driver discounts, multi-policy discounts (if you have multiple insurance policies with the same company), multi-car discounts (if you insure more than one vehicle with the same company), and discounts for safety features such as anti-theft systems or driver assistance technology.
How can I find cheap auto insurance for my Lexus RX 450h?
To find affordable auto insurance for a Lexus RX 450h, it’s recommended to shop around and compare quotes from different insurance providers. You can contact insurance agents directly, use online insurance comparison tools, or consult with an insurance broker who can help you find the best rates. It’s important to consider both the price and the coverage options provided to ensure you get the best value for your money.
Are there any specific insurance considerations for hybrid vehicles like the Lexus RX 450h?
Hybrid vehicles like the Lexus RX 450h may have some insurance considerations. While insurance rates may not differ significantly based on the fact that it is a hybrid, insurance companies may consider factors such as the vehicle’s higher value, repair costs, and technology when determining premiums. Additionally, owning a hybrid vehicle might make you eligible for eco-friendly or hybrid vehicle discounts offered by certain insurance providers.
What are the recommended coverage options for insuring a Lexus RX 450h?
The recommended coverage options for insuring a Lexus RX 450h are liability coverage, collision coverage, and comprehensive coverage. Liability coverage is typically required by law and helps cover costs associated with injuries or property damage to others in an accident. Collision coverage helps pay for damages to your vehicle if you collide with another vehicle or object. Comprehensive coverage protects your vehicle from non-collision incidents such as theft, vandalism, or natural disasters.
Can the location where I live impact the cost of insuring a Lexus RX 450h?
Yes, the location where you live can affect the cost of insuring a Lexus RX 450h. Insurance companies consider factors such as population density, crime rates, and the likelihood of accidents or theft in your area when determining insurance premiums. If you live in an area with higher risks, such as a densely populated city or an area with a high crime rate, you may have higher insurance rates compared to someone living in a rural or low-risk area.
How can I lower my insurance premium for a Lexus RX 450h?
There are several ways to potentially lower your insurance premium for a Lexus RX 450h. These include maintaining a clean driving record, bundling your auto insurance with other policies, opting for a higher deductible (if financially feasible), taking advantage of available discounts, and considering usage-based or pay-as-you-go insurance programs if offered by your insurance provider. Additionally, improving your credit score and completing defensive driving courses may also help reduce your insurance costs.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.